I noticed Al posted to both threads. So I will do the same.
The lovely Kim, bride and TRUE better half to our good friend Al, is correct. But so are those that say there will be coverage.
How can that be?
Policy terms and conditions will vary from insurer to insurer. The bottom line here is...you have to read YOUR policy.
One of the most broadly used standardized auto policies in the US will provide coverage in this situation. This is a policy that is used by many personal auto insurers. I won't mention names because I don't want this to sound like advice or an interpretaion from my company. But I know coverage is there because I used to manage the product and the staff that wrote the language. I still work at the company. And I bounced this off my successor before I sat down to pen this already too long missive.
So long as you are not regularly renting your car out or in the business of renting the car out, most liability policies will cover you and the driver. Your Collision and Comprehensive coverage will also apply should there be damage to the vehicle.
Again, you need to read YOUR policy, two sections in particular. The "Liability Coverage Agreement" (or words to that effect) and the "Liability Exclusions".
In addition, the driver's own insurance policy will provide him/her bodily injury liability coverage for the use of the non-owned auto (your car, which he/she does not own). However, in this case, if the driver is also liabile for damage to the car itself, the "standard" liability coverage will not respond. But your insurance will.
I'll repeat the bottom line, insurance policies vary. I am confident with what I just wrote with respect to the "standard" auto policy provisions. But my only concrete advice to you is...read your policy before you do this. Especially if you have a collector, antique or other specialty insurance policy.
